Osceola County property record for 2973 Elbib Dr, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2004 |
| Square Footage | 1,636 sqft Living Area |
| Lot Size | 5,357 sqft (0.123 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $212,000 (2018) |
| Tax Bill | $2,708.00 (2024) |
| Primary APN | 22-26-30-0077-0001-0260 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,636 sqft Living Area |
| Gross Area | 2,054 sqft Gross Area |
| 1st Floor | 1,636 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 5,357 sqft (0.123 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 400 sqft Garage |
| Deck Area | 450 sqft Deck |
| Porch Area | 18 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 2973 ELBIB DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8527 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | CANOE CREEK ESTATES PHASE 7 PB 15 PGS 116-117 LOT 26 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 22 |
| Legal Subdivision | CANOE CREEK ESTATES PH 7 |
| Legal Phase | 7 |
| Legal Tract | 77 |
| Legal Block | 260 |
| Legal Lot Number | 26 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1003 |
| Census Tract | 43207 |
Source: Osceola County records · APN 22-26-30-0077-0001-0260
Assessment roll updated November 26, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2973 ELBIB DR, SAINT CLOUD, FL 34772-8527 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 04, 2019 | Deed of Trust, Mortgage · Veterans Administration Mortgage VETERANS UNITED HM LNS |
| Dec 10, 2018 | Warranty Deed, Transfer · Veterans Administration Mortgage STEARNS LENDING LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 10, 2018 · Amount on Record |
| Deed Sale | Dec 10, 2018 · Amount on Record |
| Prior Sale | May 17, 2004 · Amount on Record |
| Deed Doc Number | 2018180665 |
| Deed Book / Page | 5447 / 114 |
| Prior Transfer Date | Apr 29, 2011 |
| Prior Transfer Doc | 0041250536 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2973 ELBIB DR, SAINT CLOUD, FL 34772-8527 |
| Document Number | 0056031941 |
| Instrument Date | Oct 04, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2019 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SVCS |
| Name | Verified Name |
|---|---|
| Address | 2973 ELBIB DR ST CLOUD FL 347728527, ST CLOUD, FL 34772-8527 |
| Document Number | 0056031941 |
|---|---|
| Date | Oct 10, 2019 |
| Book Page | 005603/001941 |
| Instrument | 130966 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 09, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 10, 2018 |
| Property Address | 2973 ELBIB DR, SAINT CLOUD, FL 34772-8527 |
| Document Number | 0054470114 |
| Book / Page | 5447 / 0114 |
| Map Reference | MB 15 PG 116&117 |
| Instrument Date | Dec 10, 2018 |
| Instrument | 2018180665 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,484.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2973 ELBIB DR, 2973, SAINT CLOUD, FL 34772-8527 |
| Name | Verified Name |
|---|---|
| Address | 2973 ELBIB DR, SAINT CLOUD, FL 34772-8527 |
| Document Number | 2018180666 |
|---|---|
| Date | Dec 10, 2018 |
| Instrument | 2018180666 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2049 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,809.00 (+3.73%) Homeowner's exemption Veteran's exemption | $204,813 (+5.99%) | $297,800 (-2.81%) Land $65,000 Building $232,800 |
| 2024 | $2,708.00 (-0.48%) | ||
| 2023 | $2,721.00 (+3.82%) Homeowner's exemption | $193,244 (+3%) | $306,400 (+15.71%) Land $60,000 Building $246,400 |
| 2022 | $2,621.00 Homeowner's exemption | $187,616 | $264,800 Land $55,000 Building $209,800 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Wildfire Risk | Moderate above 56% of the US · above 27% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 730 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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